Silverdale, WA · Charter 68254
NCUA · 2 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.14% | 0.21% | 0.68% | 0.20% | 0.33% | 0.38% | 0.59% | 0.41% | +22 bps | |
| Return on Equity | 1.06% | 1.65% | 5.32% | 1.51% | 2.42% | 2.82% | 4.44% | 3.18% | +167 bps | |
| Net Interest Margin | 4.99% | 4.84% | 4.61% | 4.69% | 4.83% | 4.86% | 4.44% | 4.42% | -27 bps | |
| Efficiency Ratio | 86.66% | 86.87% | 89.11% | 91.73% | 91.07% | 90.05% | 96.71% | 97.17% | +544 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.45% | 0.78% | 2.82% | 2.12% | -1.11% | -4.57% | -1.90% | 1.98% | -14 bps | |
| Loan Growth (YoY) | -14.37% | -14.87% | -14.78% | -15.21% | -13.42% | -11.46% | -12.07% | -16.53% | -132 bps | |
| Share Growth (YoY) | -2.88% | 1.15% | 2.24% | 1.55% | -2.15% | -5.97% | -2.09% | 1.88% | +34 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.02% | 0.58% | 1.53% | 1.90% | 1.86% | 1.74% | 1.87% | 0.93% | -97 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.10% | 12.66% | 12.75% | 12.91% | 13.45% | 13.52% | 13.21% | 13.01% | +10 bps | |
| Net Worth / Assets | 13.10% | 12.66% | 12.75% | 12.91% | 13.45% | 13.52% | 13.21% | 13.01% | +10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.05% | 78.25% | 75.06% | 74.27% | 74.37% | 73.68% | 67.41% | 60.84% | -1,343 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |